TATA AIG Travel Insurance

Who wouldn't like to take a break and travel to an exotic vacation spot? As you make your travel itinerary and checklists while preparing for the trip overseas, it is important not to forget the most crucial element - a travel insurance plan for you and your family. In most cases, your journey will go without any untoward incidents but why take risks when you can easily avail a travel insurance policy and get adequate coverage for yourself as well as your loved ones. Travel insurance offers complete protection throughout the trip and even offers you compensation when an emergency strikes and hence with the best travel insurance you are well-protected and can travel worry-free.

Overview:

TATA AIG offers an extensive travel insurance plan, custom-made for you according to your requirements, with several special features and comprehensive coverage. One of the highlights of the travel insurance scheme offered by TATA AIG is that it offers international as well as domestic travel insurance policies to its customers in India. It covers: Personal Accident, Medical Expenses, Loss of Passport, Trip Delay, Trip Cancellation, Baggage Loss, and other risks while travelling abroad.

Types of Travel Insurance Plans offered by Tata AIG:

Tata AIG Travel Guard – Overseas Travel Insurance:

Tata AIG Travel Guard is a travel insurance policy that offers coverage in case of occurrence of any untoward and unforeseen incident during your overseas travel. Travel Guard offers emergency assistance, specifically for Repatriation and/or Medical Evacuation. There are five plans available under Travel Guard Single Trip policies which are Silver, Silver Plus, Gold, Platinum and the Senior Plan. Annual Multi Trip program comes with two options: an Annual Multi Trip Gold Plan and Annual Multi Trip Platinum Plan.

Some of the notable benefits of this plan are listed as under:

Flexibility – Tata AIG Travel Guard provides you with the advantage of choosing between multiple plans under Single Trip policies. These include Silver, Silver Plus, Gold, Platinum and the Senior Plan. Also, customers have 2 further options to choose from under an Annual Multi Trip program, where they can choose between an Annual Multi Trip Gold and Platinum Plans.

Travel Guard Assist – Travelling overseas is an exciting experience, but also one that may pose some risks. To help you protect from unforeseen risks, the Travel Guard policy offers assistance services towards Repatriation across the world, Medical Evacuation Service and Emergency Assistance service.

Renewable For Life – Being a frequent traveler, getting your travel insurance policy renewed can be nothing short of annoying. Now, customers holding an annual Multi Trip policy have the option of getting their policy renewed for life.

Free Look & Grace Period – Customers holding an Annual Multi Trip policy can avail a Free Look period of 15 days to see whether the policy is befitting their requirements. Also, for payment of premiums, customers will be allowed a grace period of 30 days (applicable to new businesses who have taken a annual multi trip).

Enhancement of Sum Insured – To increase the protection provided by your policy, you have the option of enhancing your Sum Insured amount at the time of renewing your policy. The quantum of increase in the sum assured amount will be done according to the underwriting guidelines of the company and is applicable only for renewals done for an Annual multi-trip.

Intimation of Policy Changes – In the event that a policy is going to be revised or modified, the intimation about the changes will be given to the policyholders 3 months in advance. This is applicable to annual multi trip policies only.

Intimation of Policy Withdrawal – In the event that a policy is likely to be withdrawn by the company, the customers holding that policy will be intimated about the discontinuation of the policy 3 months before the policy is due to expire. Also, they will be provided with alternative options to migrate to other similar policies.

Student Travel Insurance - Student Guard:

The Tata AIG Student Guard is a travel insurance policy specially designed for students who are journeying overseas for higher education. To provide comprehensive cover, this policy offers a number of covers like Personal Accident Cover, Study Interruption, Sponsor Protection, Accident & Sickness Reimbursement and Two-way compassionate visit of family members.

Added Protection – This policy allows customers to enhance the protection provided by their policy with the help of add-ons like Child Care, Maternity Benefits, Cancer Screening, Mammography examinations and Cover for Mental & Nervous Disorders.

Accidental Death/Dismemberment – The policy provides cover in the event of dismemberment or death caused due to an accident or a felonious assault on the insured during their stay abroad.

Accident & Sickness Medical Expenses Reimbursement – Coverage is provided for medical expenses which have been incurred for treatment which is required following a sickness or accidental injury.

Special Extensions – The Student Guard policy comes with a number of Special Extensions which have been integrated keeping different circumstances and customers in mind. Under special extensions, students can avail cover for pre-existing medical conditions which pose a threat to the insured’s life, maternity benefit, childcare benefits, cover for treatment of mental/nervous disorders (alcoholism, drug abuse), cover for mammography examinations & cancer screening and ongoing physiotherapy.

Sickness Dental Relief – Cover is provided for medical expenses arising due to treatments for sudden acute pain in an intact natural tooth which must be attended to immediately. Expense coverage in this case will be limited to a period of under 30 days, counting from the date of the first treatment.

AssistanceServices– during your stay in a foreign land, the policy includes provisions to extend the maximum assistance in form of services like Emergency Travel Agency, Pre-Departure Services, General Assistance, Medical Assistance, Repatriation, Medical Evacuation, Legal Assistance, Lost Luggage or Lost Passport, etc.

Emergency Medical Evacuation – Insured will be provided medical evacuation to the closest medical center or back to India for emergency medical treatment. The severity of the Sickness or Injury for which evacuation is being carried out must be certified by a qualified physician who is treating the insured for the said injury or sickness.

Continuing Treatment – Cover is provided for continuing the treatment for which the insured had been repatriated to his/her native country.

Repatriation of Remains – In the event of the death of the insured, the policy will cover the cost of repatriation of the mortal remains of the insured back to India.

Baggage Loss – The insured is covered against the permanent loss of their checked-in baggage, being handled by a common carrier which has misdirected the delivery of the luggage at the specified destination, resulting in it’s permanent loss or due to theft.

Baggage Delay – The policy covers the insured against any delay in delivery of their checked-in baggage while travelling on a common carrier. Reimbursement will be provided towards the loss of necessary personal effects.

Loss of Passport – In case the insured has lost their passport during their stay overseas, the policy shall cover the costs incurred towards obtaining a new or duplicate passport.

Personal Liability – Policy provides coverage for any damages arising due to claims which have been filed against the insured for causing any damage to property or medical expenses which have arisen due to bodily injury being caused by the insured following an accident.

Study Interruption – Student Guard policy will reimburse the insured for tuition fees in case the insured has suffered from any of the following conditions, due to which they are unable to continue or complete their studies, tuition for the remainder of which has already been paid.

If the insured has been hospitalized for a period exceeding one month for injury or sickness which is covered under the policy.

In the event of a terminal illness.

Medical Repatriation.

In the event of the death of an immediate family member.

Sponsor Protection – If the insured individual’s sponsor suffers permanent disablement or passes away, the insurance company will reimburse the insured for the tuition fee that has been paid for the remaining period of the insured’s education, subject to the maximum limit specified in the Schedule of benefits.

Compassionate Visit – In the event that the insured is hospitalized for a period of more than 7 days, the insurance company will cover the cost of a round-trip economy class ticket and lodging expenses for an immediate family member.

Visit by Student – In the unfortunate event of the death or hospitalization of the insured’s parent(s)/spouse/children for a period of more than 7 days, the insurance company will cover the cost of an economy class round trip for the insured to visit their native country.

Bail Bond – Policy covers the cost of a bail bond, up to the amount stated in the Policy Schedule, following a false arrest or wrongful detention of the insured by a foreign power or government.

Hijack Cash Benefit – Policy will provide the insured with distress allowance in case the common carrier by which the insured is travelling is hijacked.

Missed Connections/Departure – The insurance company will reimburse the insured for expenses, up to a reasonable amount, which have been incurred due to a missed departure or connection by your scheduled carrier for your onward or return journey.

Trip Delay – The policy will provide cover for any additional expenses incurred by the insured towards a trip delay of more than 12 hours occurring due to equipment failure, unfavourable weather or a strike with the common carrier.

Fraudulent Charges – In case your payment card is stolen or lost and has been fraudulently used without your authorization, the insurance company will reimburse you for those unauthorized charges.

Accident and Sickness Medical Expenses: Policy will reimburse the insured for medical expenses which may be incurred following an accident or sickness.

Emergency Medical Evacuation & Repatriation of Remains: In case of a medical emergency, the insurance company will arrange for the insured to be evacuated and transported to a location where he/she will have access to the suitable medical treatment. In the unfortunate event of the death of the insured during the trip, the policy will cover the cost of repatriation of the mortal remains of the insured back to their home country.

Baggage Loss – The insured is covered against the permanent loss of their checked-in baggage, being handled by a common carrier which has misdirected the delivery of the luggage at the specified destination, resulting in it’s permanent loss or due to theft.

Baggage Delay – The policy covers the insured against any delay in delivery of their checked-in baggage while travelling on a common carrier. Reimbursement will be provided towards the loss of necessary personal effects.

Loss of Passport – In case the insured has lost their passport during their stay overseas, the policy shall cover the costs incurred towards obtaining a new or duplicate passport.

Personal Liability – Policy provides coverage for any damages arising due to claims which have been filed against the insured for causing any damage to property or medical expenses which have arisen due to bodily injury being caused by the insured following an accident.

Domestic Travel Insurance :

Domestic Travel Insurance offered by TATA AIG is an unique travel Insurance policy for those who are traveling by road, air or rail, anywhere within India. The insured is covered for situations such as missed departure, lost ticket reimbursement, accommodation charges due to trip delay, and much more.

Accidental Death and Dismemberment Benefit.

Emergency Accident Medical Expenses Reimbursement – The policy will provide cover for the costs of medical expenses which may arise due to a treatment taken following injuries sustained during an accident.

Missed Departure (Rail / Air) – The policy will reimburse the insured in case they have missed the departure of their pre-booked journey via rail or air. The policy will reimburse the insured for the actual ticket (air or rail) subject to the certification which must be provided by a concerned authority stating that the insured has been unable to reach the departure point of their scheduled departure for onward or return journey due to failure of public transport or if the vehicle that the insured is travelling by to the point of departure is involved in an accident.

Additional Accommodation Charges Due To Trip Delay – In the event that the insured’s trip is delayed for a period of more than 5 hours due to a hazard which is covered in the policy, the policy will reimburse them for the additional cost of accommodation borne, subject to the policy rules.

Loss of Tickets – The policy will reimburse the insured for the amount stated in the policy schedule towards the cost of your actual ticket (by common carrier – rail or air). The amount will be dependent on a deductible, assuming that the loss of the ticket will not allow the insured to carry on with their travel plan.

Emergency Medical Evacuation: If the insured is undergoing a medial emergency, the policy shall cover the cost incurred towards their evacuation and transportation to a location where the appropriate medical facilities will be available.

Round The Clock Assistance: Travelling in a foreign land can be full of challenges. For this reason, Tata AIG provides insured individuals with an array of 24x7 Assistance and Referral services for dealing with various situations and emergencies.

Repatriation of Remains - In the unfortunate event that the insured happens to pass away during their trip overseas, the policy shall cover the costs of returning your mortal remains to their place of residence in India.

Personal Liability – In case a suit is filed or a claim is made against the insured for causing damage to property by an occurrence which is covered under the policy, the insurance company will pay for the amount, subject to the policy terms.

Renewable For Life – Being a frequent traveler, getting your travel insurance policy renewed can be nothing short of annoying. Now, customers holding an annual Multi Trip policy have the option of getting their policy renewed for life.

Free Look Period – individuals holding a new business-annual multi-trip policy will be allowed a free look period of 15 days to test the policy.

Grace Period – For renewal of an Annual Multi Trip policy, the policy holders will be allowed a grace period of 30 days for making premium payments.

Enhancement of Sum Insured – To increase the protection provided by your policy, you have the option of enhancing your Sum Insured amount at the time of renewing your policy. The quantum of increase in the sum assured amount will be done according to the underwriting guidelines of the company and is applicable only for renewals done for an Annual multi-trip.

Intimation of Policy Changes – In the event that a policy is going to be revised or modified, the intimation about the changes will be given to the policyholders 3 months in advance. This is applicable to annual multi trip policies only.

Intimation of Policy Withdrawal – In the event that a policy is likely to be withdrawn by the company, the customers holding that policy will be intimated about the discontinuation of the policy 3 months before the policy is due to expire. Also, they will be provided with alternative options to migrate to other similar policies.

Tata AIG Travel Insurance Coverage:

Tata AIG offers 4 different types of comprehensive travel insurance plans. The coverage offered by each plan have been listed below.

Tata AIG Travel Guard

Accident & Sickness Medical Expenses: Travel Guard takes care of your medical expenses due to accident and sickness while traveling so that you can concentrate on better things like enjoying the holiday.

Checked Baggage Loss: The maximum amount to be reimbursed per bag is 50%, and the maximum value per article contained in any bag is 10%, of the amount stated in the Policy Schedule.

Baggage Delay: Compensation for reasonable expenses incurred for purchase of emergency personal effects due to delay in arrival of checked in baggage, whilst overseas.

Loss of Passport: Compensation for expenses incurred in obtaining a duplicate or new passport.

Personal Liability: Compensation for damages to be paid to a third party, resulting from death, bodily injury or damage to property; caused involuntarily by the insured.

Hijacking: In an unfortunate event of your common carrier in which you are traveling; being hijacked, this product will pay a distress allowance to you.

Flight Delay: Reimbursement of additional expenses occurred due to trip delay (only if the trip has been delayed for more than 12 hours).

Automatic-extension of the policy: Travel Guard allows you to extend your policy upto a period of 7 days from the policy expiry date.

Accidental Death And Dismemberment: Travel Guard gives you worldwide coverage against Accidental Death and Dismemberment while you're abroad anywhere in the world.

Sickness Dental Expense: The policy pays for immediate Dental Treatment occurring due to sudden acute pain during the course of an overseas Insured Journey. Dental benefits will be provided for Medically Necessary filling of the tooth or surgical treatment, services, or supplies.

Tata AIG Student Guard – Overseas Health Insurance Plan

The policy protects the insured student against mental and nervous disorders, maternity benefits for pregnancy termination, mammography and cancer screening.

Tata AIG Asia Travel Guard

Personal accident cover of up to US $15,000.

Reimbursement of medical expenses.

Compensation for expenses incurred in obtaining a new passport or a duplicate one.

Personal Liability for third party damages, death, bodily injury/damage to third-party property, etc. that needs to be paid by the insured.

Tata AIG Domestic Travel Insurance

Medical expenses incurred from treatment of injuries caused by an accident.

Accidental death and dismemberment benefit is provided.

If you miss your departure due to public transport services failure or due to your vehicle meeting with an accident en route to the airport/station, the ticket prices are reimbursed.

In case you lose your tickets, the company will reimburse the original ticket charges applicable to the common carrier (Air/ Rail). Reimbursement of the accommodation charges incurred due to a delay in your trip for more than 5 hours, which has been caused by a hazard stated within the policy rules. This is subject to a per day limit as per the policy schedule.

Tata AIG Travel insurance Policy Exclusions:

Tata AIG presents a variety of travel insurance policies to help facilitate stress free travel, be it within India or overseas. These comprehensive travel insurance policies are designed to address the travel needs of different individuals travelling to different global destinations. In order to be better informed about what these policies offer, it would be helpful to also know about the exclusions these policies carry. Here is a brief list of exclusions common to all travel insurance policies offered by Tata AIG. For a complete list of the exclusions of each policy, please refer to the wordings and document of the policy. This policy shall not cover you for any expense incurred, directly or indirectly, due to the following reasons:

Tata AIG Travel Insurance Claim Process:

In order to register your claim, you have to email customer support or call the local/international helpline numbers. General step by step claims procedure is as follows:

Inform the company immediately, through Phone, SMS, Letter, Email, etc. and get the claim registration number

Submit the required list of documents as well as the duly filled claim form, to the company

Answer any queries posed by the insurance company in relation to the incident

Suggest a convenient mode of receiving payment

Documents Required for TATA AIG Travel Insurance:

Original bills and vouchers.

All Prescriptions/ Bills/ vouchers/ reports/ discharge summary, etc. must contain the name of the treated person, the type of illness, details of the each item of medical treatment provided and the dates of treatment.

Prescriptions must clearly state the prescribed medicines, its price and the receipt stamp of the pharmacy as well. In the case of a dental treatment, the bills/ reports must provide the details of the treatment performed as well as the treated tooth.

In order to reimburse the cost of transporting the mortal remains of the insured to India or the extra costs incurred for burial abroad, an official death certificate and a physician's statement must be provided, stating the cause of death.

In order to reimburse the cost of transportation of the Insured Person to India due to ill health, a medical statement should be provided, that indicates the cause of illness and the necessity of the transportation. Medical statements have to be made by a recognized medical practitioner and not by relatives or spouses.

A Property Irregularity Report or other report issued by the carriers in the event of loss of baggage should be submitted if you are registering a claim for loss of baggage.

For availing the personal liability cover, the insured has to submit a proof of the judicial decision that has been rendered by a court of law.

In order to avail Personal Accident cover, all vouchers/ bills/ reports or discharge summary, First Information Report, Death Certificate, Legal Heir Certificate, Post Mortem Report and/or other related documents as applicable, have to be submitted.

Any other relevant document(s) as requested by the company in order to process the claim, has to be submitted by the Insured Person.

Tata AIG Travel Insurance Policy Covers:

Overseas Travel Insurance

Domestic Travel Insurance

Covers accommodation charges arising out of trip delay, missed flight departure, reimbursement of lost ticket (reimbursement of original ticket charges that are applicable to common carriers such as Air/ Rail), coverage in the event of dismemberment or accidental death and so on.

Student Travel Insurance

Covers reimbursement in case of sickness, reimbursement of loss arising out of study interruption, sponsor protection, reimbursement in case of accident and also personal accident cover.

TATA AIG Travel Insurance FAQs:

What is the validity period of the policy?

The travel insurance policy is valid for the entire duration of the Insurance Period i.e. the period for which the premium has been paid or when the policyholder disembarks upon his/her return to India.

When does the cover commence?

The Insurance cover will be in effect from the day specified in the Policy Schedule or when the policyholder embarks on his/her journey overseas or on the date of the Contracted Departure, whichever is later.

Can my policy be extended?

In case the policyholder’s stay overseas is extended for reasons beyond his/her control, the policy can be extended with the approval of the insurance company, once the required additional premium is collected.

If I don't need the travel insurance policy, can I get it cancelled?

Yes. The travel insurance policy can be cancelled, only if the policyholder has not undertaken the journey as expected. To prove this, he/she has to submit a copy of his/her valid passport. A request for policy cancellation is accepted by the company for up to 14 days after the first date of commencement of the insurance policy as specified in the policy schedule. In the event of policy cancellation, a specified amount will be deducted from the refundable amount, as administration charges.

What should I do if I meet with an accident overseas?

In case of any emergency such as an accident, wherein you might require emergency medical care or assistance, you should contact the Alarm Centre or assistance centers set up for this specific purpose, describing the necessary details.

If I go abroad specifically for the purpose of availing medical treatment, would I be reimbursed for the medical expenses incurred?

No. The travel insurance policy only covers you for accidents or illnesses which occurs unintentionally and unexpectedly whilst you are abroad.

Can I cancel my policy midway?

Yes, the policyholder can cancel the insurance policy if he/she wishes to do so.